The ESRM card is among the key schemes of the Government of India to provide important social security benefits to unorganized sector workers. The workers employed in unorganized sectors generally do not have financial security and welfare scheme benefits. The ESRM card is a bridge to bring these workers into the key government schemes to increase their financial security and social standing.
This guide will walk you through everything you need to know regarding the ESRM card. From understanding what it is used for and why it is beneficial for you to apply and how to check your ESRM card check balance online, we have you covered. If you are an employee who wishes to apply for the ESRM card or you are an individual looking to learn more about the scheme, this guide is for you. Read on to understand how the ESRM card can help you and how you can simply apply and check your balance.
What is an ESRM Card?
ESRM card is an identification card given by the government to offer social security benefits to the workers who work in the unorganized sector. It is a useful device to offer welfare schemes to bring the social and economic status of the workers at par. ESRM card is an essential tool to offer benefits such as pension schemes, insurance schemes, and entry to skill development courses.
The primary function of the ESRM card is to give social security protection to the unorganized workers who are not receiving any coverage under any formal employment programs. It bridges the gap between unorganized workers and welfare schemes sponsored by the government.
Importance of ESRM Card
It holds great value for workers. It connects them to government schemes. Many workers lack formal employment benefits. This card provides them with financial security. It also offers insurance coverage. Workers can access skill development programs too.
1. Financial Security: Financial security is crucial for workers. The card provides pension plans. It ensures a steady income post-retirement. This helps workers support their families. It also reduces financial stress.
2. Insurance Coverage: Insurance is essential for safety. The card offers accidental insurance benefits. Workers receive coverage for injuries. Death benefits are also included. This provides peace of mind for families.
3. Unique Identification: Having an identification number is useful. The card provides a unique 12-digit UAN. This number is valid across India. It helps workers access schemes easily. It also ensures better record-keeping.
4. Skill Development: Skill improvement is vital. This card helps workers access training. They can upgrade their skills. This improves their job opportunities. It also boosts their income potential.
ESRM Card Benefits
It offers a range of useful benefits. These benefits aim to improve the lives of workers. Financial support and insurance are just a few advantages. Workers also receive training opportunities. Let’s explore these benefits in detail.
1. Pension Plans
This card provides pension plans. Workers get Rs. 3,000 every month. The amount is paid after age 60. It helps them manage their expenses. It also offers long-term financial security.
2. Accidental Insurance
Insurance benefits are essential. Workers receive coverage for accidents. If they face injuries, they get financial aid. Death benefits are also provided. This ensures family protection.
3. UAN Number
Every cardholder gets a unique UAN. It is a 12-digit identification number. This number is valid all over India. It ensures easy access to benefits. It also simplifies verification processes.
4. Training and Skill Enhancement
Skill development is vital for growth. Workers can access training programs. These programs improve their skills. It also opens up new opportunities. Workers can earn better incomes.
ESRM Card Eligibility Criteria
To qualify for this card, applicants must meet specific criteria. These eligibility requirements ensure that only genuine workers from the unorganized sector benefit from the scheme. The eligibility criteria are as follows:
- Applicants must be aged between 16 to 59 years.
- They should be working in the unorganized sector.
- Applicants should not be covered under ESIC or EPFO schemes.
- They should not be income taxpayers.
These eligibility criteria ensure that the scheme targets the intended beneficiaries. Workers meeting these criteria can proceed to apply for an ESRM card.
How to Apply for ESRM Card
Applying for this card is a straightforward process. The government has simplified the procedure to make it accessible for all eligible workers. Follow these steps to apply:
Step 1: Visit the Official ESRM Portal
Go to the official portal ESRM Card. This is the starting point for your application process. Make sure you have a stable internet connection for a smooth experience.
Step 2: Enter Aadhaar-Linked Mobile Number
Enter your Aadhaar-linked mobile number. Fill in the captcha code displayed. Click on the ‘Send OTP’ button. You will receive an OTP on your mobile phone.
Step 3: Provide Aadhaar Number and Accept Terms
Enter your Aadhaar number. Tick the checkbox agreeing to the terms and conditions. Enter the OTP you received and click on the ‘Validate’ button. This step verifies your identity.
Step 4: Confirm Personal Details
Review the personal details displayed on the screen. Ensure all details are accurate. If needed, make corrections before proceeding.
Step 5: Enter Additional Details
Provide necessary details like your address, educational qualifications, and skill information. This information is essential for proper record-keeping.
Step 6: Select Your Skill and Work Type
Choose your skill type. Mention the nature of your business or the type of work you do. Providing this information helps the government identify your professional category.
Step 7: Provide Bank Details
Enter your bank account details. Ensure accuracy as this information is crucial for receiving benefits. Agree to the self-declaration before moving to the next step.
Step 8: Preview and Submit Application
Click on the ‘Preview’ option. Review all the details you have entered. If everything is correct, click on the ‘Submit’ button to complete your application.
Step 9: Verify Through OTP
An OTP will be sent to your registered mobile number. Enter the OTP in the provided field. Click on the ‘Verify’ button to confirm.
Step 10: Generate and View ESRM Card
After verification, your ESRM card will be generated. It will be displayed on your screen. You can save or download it for future reference.
ESRM Card Check Balance Online
The ESRM card check balance process is easy and convenient. Cardholders can check their balance online through the official ESRM portal. Follow these steps to check your ESRM card check balance online:
Step 1: Visit the Official e-Shram Portal
Start by opening your web browser. Visit the official e-Shram portal at https://eshram.gov.in/. This is the only authorized website for checking your e-Shram Card balance. Always use the official site to avoid scams or incorrect information.
Step 2: Access the Payment Status Section
Once you are on the website, look for the ‘E Shram Card Payment List’ link. It is usually displayed on the homepage for easy access. Click on the link to proceed to the payment status page.
Step 3: Enter Required Details
You will now see a form requiring your details. Enter your e-Shram Card number, UAN number, or Aadhaar Card number. Make sure the information is accurate to avoid errors. Click the ‘Submit’ button after filling out the form.
Step 4: View Your Payment Status
After submitting your details, the system will process your request. You will be shown your e-Shram Card payment status. This page will display your balance, recent payments, and any pending amounts. Make sure to review all the details carefully.
ESRM Card and Other Schemes
It is integrated with various other schemes to provide comprehensive benefits. These integrations enhance the overall utility of the card. Some notable integrations include:
| Scheme | Benefit Description |
| Pradhan Mantri Shram Yogi Maandhan (PM-SYM) | Monthly pension of Rs. 3,000 post-retirement. |
| National Career Service (NCS) | Employment opportunities for registered workers. |
| Skill India Digital Portal | Skill enhancement programs for career growth. |
Conclusion:
The ESRM card is a powerful tool for ensuring social security for unorganized sector workers. It provides them with financial aid, insurance coverage, and opportunities for skill development. It is a valuable asset for workers aiming to enhance their livelihoods. By registering for an ESRM card, workers can secure their future and access government schemes effortlessly.
Applying for an ESRM card is simple and beneficial. Ensure you meet the eligibility criteria and apply today to enjoy the benefits. Regularly check your ESRM card check balance online to stay updated with your financial status. The ESRM card is a step toward financial security and social empowerment.
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